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  Greater Springfield Credit Union Shared Secured

Greater Springfield Credit Union Shared Secured

in Personal Credit Cards from Greater Springfield Credit Union

Unaffiliated

Greater Springfield Credit Union Shared Secured

Unaffiliated

in Personal Credit Cards from Greater Springfield Credit Union

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Highlights
Purchase APR  (Fixed APR) 13.5%
Balance Transfer APR  (Fixed APR) 15.5%
Credit Score Range 500 - 850
Annual Fee $0

Greater Springfield Credit Union Shared Secured Review

This is a secured credit card credit card issued by Greater Springfield Credit Union. If you're wondering whether Greater Springfield Credit Union Shared Secured is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Greater Springfield Credit Union Shared Secured has a fixed purchase APR of 13.5%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Greater Springfield Credit Union Shared Secured
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Greater Springfield Credit Union Shared Secured reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Greater Springfield Credit Union Shared Secured FAQ

Does Greater Springfield Credit Union Shared Secured have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Greater Springfield Credit Union Shared Secured benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Greater Springfield Credit Union Shared Secured?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a fixed purchase APR of 13.5%. The card has a fixed balance transfer APR of 15.5% . It also has a fixed cash advance APR of 15.5% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Greater Springfield Credit Union Shared Secured have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Greater Springfield Credit Union Shared Secured have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Greater Springfield Credit Union Shared Secured?

The following fees apply:

  • There is no overlimit fee
Greater Springfield Credit Union Shared Secured Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $15
Late Payment Fee $10

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Greater Springfield Credit Union Shared Secured have a foreign transaction fee?

Greater Springfield Credit Union Shared Secured charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Greater Springfield Credit Union Shared Secured?

The Greater Springfield Credit Union Shared Secured customer service number is (413) 872-3161.

Does Greater Springfield Credit Union Shared Secured report your account activity to credit bureaus?

Yes, Greater Springfield Credit Union Shared Secured reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Greater Springfield Credit Union Shared Secured

  • Visit the Greater Springfield Credit Union Shared Secured website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 8:30am - 12:00pm

About Greater Springfield Credit Union Shared Secured

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View all personal credit cards offered by Greater Springfield Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 1.5%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $15
Late Fee Amount $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 15.5%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Fixed APR) 18%
Purchase APR (Fixed APR) 13.5%
Balance Transfer APR (Fixed APR) 15.5%
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Visa

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